In response to the global transition toward net zero, we continue to strengthen our climate actions through the dual strategies of “Zero-Carbon Operational Transformation” and “Low-Carbon Investment Allocation.” In our operations, we support the RE100 initiative and have committed to science-based emissions reduction targets under the Science Based Targets initiative. We are steadily progressing toward our goal of using 100% renewable electricity across all locations in Taiwan by 2030, thereby advancing our zero-carbon operational transformation. In 2025, two of our core insurance products—travel accident insurance and account-based whole-life medical insurance—were verified in accordance with ISO 14068-1, making Cathay Life the first insurance company in Taiwan to obtain carbon-neutral product certification and demonstrating how carbon reduction actions can be implemented through our core business. In our investments, we encourage investee companies to strengthen their climate governance through responsible investment and engagement mechanisms. In 2025, we also incorporated natural capital and biodiversity into our risk assessment and decision-making framework. Together with 51 institutions worldwide, we signed the Berren Investor Statement on Tropical Deforestation, actively responding to global nature-related risks and working with industry partners toward the shared vision of achieving net-zero emissions by 2050.

In response to an aging society and growing health awareness, we continue to expand our health ecosystem and develop a comprehensive health support system centered on customer needs. Through our “Services × Spillover Benefits × Partnerships” development model, we integrate digital technologies with cross-sector collaboration. Through the FitBack health promotion platform, we encourage the public to develop healthier lifestyle habits while continually enhancing health experiences across different stages of life. In terms of product innovation, we have developed a diverse range of health-promotion-linked insurance products that connect healthy behaviors with insurance incentives . These products simultaneously support policyholder health, risk management, and social value, demonstrating tangible progress in embedding sustainability principles into our core insurance business. In customer service, we have long upheld the Treating Customers Fairly Principles and remain the only life insurer to have been recognized as a top-performing company for seven consecutive years. We also continue to strengthen fraud prevention and financial security mechanisms, extending the protective role of insurance into customers’ everyday lives and enhancing trust and peace of mind throughout society.

As digital technology and sustainability transformation increasingly converge, we remain committed to our people-centric philosophy and continue to enhance organizational capabilities across the Company. Our goal is to build teams equipped with forward-looking perspectives and cross-disciplinary integration capabilities. By strengthening key capabilities in artificial intelligence, data analytics, and sustainable finance, we integrate innovative technologies into our operations and service scenarios. These efforts enhance our resilience in addressing future challenges and reinforce the long-term competitiveness of our core insurance business. In 2025, through the collective efforts of our employees, Cathay Life received several internationally recognized awards, including the Celent Customer Experience Transformation Award, the Qorus New Ways of Working Transformation Award, and the ITC Asia Awards Digital Transformation Pioneer Award. These honors demonstrate the tangible outcomes of our technology-enabled transformation in enhancing the digital experiences of customers, agents, and employees. In addition, Cathay Life received seven Gold Awards at the 11th Insurance Excellence Awards, organized by the Taiwan Insurance Institute under the guidance of the Financial Supervisory Commission. While receiving these recognitions, we continue to foster a corporate culture that places equal emphasis on learning and growth, strengthening our human capital and organizational resilience as we steadily advance toward our sustainability vision. At the same time, we continue to invest long-term resources in initiatives supporting youth development, local revitalization, and elderly care. Through these efforts, we deepen our connections with society, promote intergenerational inclusion, and strengthen the resilience of society as a whole.

Looking ahead, Cathay Life will continue to place sustainability at the core of its development, further advancing its three strategic pillars of Climate, Health, and Empowerment. By harnessing the influence of finance and the momentum of innovation, we will work alongside our policyholders and society to move forward steadily amid change, enabling finance to serve as a key force in driving social progress.